Cheaper 2006 Honda Odyssey Insurance Cost

Want better car insurance rates for your Honda Odyssey? Paying for high-priced Honda Odyssey insurance can diminish your personal savings, especially in this economy.

Due to the abundance of insurance providers from which to choose, it is very difficult to find the best insurance company.

Choosing the best insurance company for you is not that difficult. Just about every vehicle owner who buys insurance coverage should be able to lower their premiums. Nevertheless, car owners should learn the methods companies use to market insurance on the web and take advantage of how the system works.

How to compare free insurance quotes

Comparing insurance rates can be a lot of work if you aren’t aware of the most efficient way to do it. You can spend your afternoon talking about coverages with local insurance agents in your area, or you could use online quoting to accomplish the same thing much quicker.

Most car insurance companies participate in an industry program that enables customers to only type in their quote data once, and each participating company returns a competitive quote. This saves time by eliminating form submissions to every company.

To compare pricing click here to open in new window.

The only drawback to pricing coverage this way is you are unable to specify which insurance companies you will receive quotes from. If you would rather choose from a list of companies to receive pricing from, we have a page of insurance companies in your area. Click to view list.

Whichever way you choose to compare rates, do your best to use the same quote data with each company. If you use different coverage information you will not be able to make a fair rate comparison. Quoting even small variations in insurance coverages or limits may cause a big price difference. And when price shopping your coverage, quoting more helps locate more affordable insurance. Some regional insurers cannot provide quotes online, so it’s important to also get price quotes from the smaller companies as well.

Insurance is unique, just like you

When it comes to choosing the best insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions could help you determine if you might need professional guidance.

Where can I find high-risk insurance?
Am I covered if I wreck a rental car?
How can I get my company to pay me more for my totalled car?
Do I need more liability coverage?
Do I need replacement cost coverage on my 2006 Honda Odyssey?
I have a DUI can I still get coverage?
Am I covered if I break a side mirror?
What is the rate difference between pleasure use and commuting?
Does my policy cover my teen driver if they drive my company car?
Does my insurance cover damage caused when ticketed for reckless driving?

If you can’t answer these questions, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area.

Auto insurance specifics

Having a good grasp of auto insurance helps when choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages offered by auto insurance companies.

Liability insurance

Liability insurance protects you from damage or injury you incur to other’s property or people by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like pain and suffering, court costs, legal defense fees, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Medical expense coverage

Med pay and PIP coverage reimburse you for immediate expenses like dental work, ambulance fees, nursing services, EMT expenses and funeral costs. They can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a bird, hitting a deer, vandalism, theft and a broken windshield. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured or underinsured coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Honda Odyssey.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like scraping a guard rail, sustaining damage from a pot hole, sideswiping another vehicle, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible to save money on collision insurance.